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Negligence
The absence of ordinary care.
Binder
A temporary or preliminary agreement which provides coverage until a policy can be issued/delivered.
Summons
Document or writ directing the sheriff or other officer to notify a person that an action has been commenced against him in court and that he is required to appear, on a certain day, and answer the complaint in such action.
Flood Damage Title
States issue flood titles when a vehicle has been in a flood or has received extensive water damage.
Insurer
The insurance company providing the insurance.
Collision
Pays for damage to your car caused by a collision with another vehicle or with any other object, regardless who was at fault.
Hit and Run
An accident caused by someone who does not stop to assist or provide the required and necessary information.
Vehicle ID No. (VIN)
This 17 character number is unique to each vehicle. It identifies characteristics of the vehicle, including manufacturer, year, model, body, engine specifications, and serial number.
Subrogation
The process in which an insurance company, after paying a loss to its insured, recovers the amount of the loss for damages (plus the insured's deductible) from the legally liable party.
Witness
Person who testifies under oath before a court, regarding what he/she has seen, heard or otherwise observed.
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